Kaalmada Kharashka Daryeelka Caafimaadka
Dheefaha La Xidhiidha Militariga
Taageeridda caafimaadka Bulshadeenna Ku Xiran Ciidamada Milatariga.
Soo-koobidda Dheefaha Kaalmada Kharashka Daryeelka Caafimaadka ee VA, CHAMPVA, iyo TRICARE
Shaqaalaha daryeelka guriga, shaqaalaha taageerada shakhsiyeed, iyo kaaliyeyaasha daryeelka shakhsiyeed ee u qalma kuwaas oo heysta VA, CHAMPVA, ama TRICARE, dheefaha Kaalmada Kharashka Caafimaadka (HCA) waxay ka caawiyaan kharashaadka:
- Kharashyada jeebka ka baxsan ee caafimaadka, sida kuwa laga jaro, lacag-wadaaga, ceymiska iyo warqadaha daawada ee adeegyada uu daboolo VA, CHAMPVA, ama TRICARE (ilaa $8,000 sanadka 2026)
Qadarka dheefta Kaalmada Kharashka Daryeelka Caafimaadka waxa laga yaabaa inay isbedesho sannadba sannad.
Haddii aad u qalanto dheefaha Kaalmada Kharashka Daryeelka Caafimaadka ee VA, CHAMPVA, ama TRICARE:
- Waxaad heli doontaa Kaarka Dukaameysiga ee Dheefta (kaarka kiridhitka ee Mastercard-ka) si aad isaga bixiso kharashyadaada caafimaadka ee la daboolay ee aad jaabkaada ka bixisay. Marka codsigaaga HCA la oggolaado, Ameriflex, oo ah maamulaha Kaarka Dukaameysiga ee Dheefta, ayaa kuugu soo diraysa cinwaanka boostada ee kuu diiwaangashan. Si aad u hesho macluumaad dheeraad ah oo ku saabsan Kaarka Dukaameysiga ee Dheefta iyo sida loo isticmaalo, guji halkan.
- Waxaad gudbin kartaa codsiyada magdhowga ee ku saabsan kharashaadka caafimaad ee la daboolo ee aad jeebkaaga kasii bixisay, kuwaas oo dib laguugu soo celin karo Janaayo 1, 2026.
Waxyaabaha Muhiimka ah ee ay Tahay in la Ogaado
Dukumeentiyada loogu baahan ayahy Kaalmada Kharashka Daryeelka Caafimaadka ee VA, CHAMPVA, ama TRICARE
Si aad ugu codsato HCA ee VA, CHAMPVA, ama TRICARE, waxaad u baahan tahay inaad gudbiso dukumeenti ku habboon oo loo baahan yahay:
- Kaarka Aqoonsiga Dheefaha ee VA
- Kaarka Aqoonsiga ee CHAMPVA
- Kaarka Aqoonsiga ee TRICARE (hor & gadaal)
- Form DD 214 (Foomka DD 214)
- Liisanka darawalnimada ee dawlad goboleedku bixiso oo ku qoran “Veteran (Halyeey)”
- Soo Koobida warqadda Dheefaha
- Warqadda xaqiijinta diiwaangelinta
Ka eeg tusaalooyinka dukumeentiyada loo baahan yahay ee Dheefaha La Xidhiidha Militariga halkan.
Dheefaah La Xidhiidha Medicare iyo Militariga
Haddii aad jirto 65 sano oo aad hadda helayso HCA, sida ay dhigayaan CHAMPVA iyo TRICARE, waxaa lagaa rabaa inaad iska diiwaangeliso Medicare Qaybta A iyo Medicare Qaybta B si aad u sii haysato dheefahaaga la xiriira Halyeeyada iyo kuwa Militariga. Sida ay qabto VA, si xooggan ayaa lagugu dhiirrigelinayaa inaad iska diiwaangeliso Medicare.
Marka aad iska diiwaangeliso Medicare, waa inaad u cusboonaysiisaa dheefahaaga Kaalmada Kharashka Daryeelka Caafimaadka si ay ugu noqdaan Medicare HCA. Waxaad heli kartaa oo keliya hal dheef oo Kaalmada Kharashka Daryeelka Caafimaadka ah hal mar, waxeyna la socotaa Medicare, waxaad heleysaa magdhowga lacag-bixinadaada khidmadaha caymiska billaha ah marka lagu daro kharashaadka caafimaad ee la daboolo ee aad jeebkaaga ka sii bixisay.
Eeg Xaq u Yeelashadaada
Macluumaadkan waxaa loogu talagalay bixiyeyaasha daryeelka ee u qalma isla markaana u diiwaangashan helida dheefaah VA, CHAMPVA, ama TRICARE.
Si aad u aragto haddii aad u qalanto Kaalmada Kharashka Daryeelka Caafimaadka, fadlan buuxi su’aalaha u-qalmitaanka.
Codso Kaalmada Kharashka Daryeelka Caafimaadka ee VA, CHAMPVA, TRICARE
Gudbi dukumeentiyada habboon ee loo baahan yahay
Si aad ugu codsato Kaalmada Kharashka Daryeelka Caafimaadka ee VA, CHAMPVA, ama TRICARE, waxaad u baahan tahay inaad gudbiso dukumeenti ku habboon oo loo baahan yahay:
- Kaarka Aqoonsiga Dheefaha ee VA
- Kaarka Aqoonsiga ee CHAMPVA
- Kaarka Aqoonsiga ee TRICARE (hor & gadaal)
- Form DD 214 (Foomka DD 214)
- Liisanka darawalnimada ee dawlad goboleedku bixiso oo ku qoran “Veteran (Halyeey)”
- Soo Koobida warqadda Dheefaha
- Warqadda xaqiijinta diiwaangelinta
Ka eeg tusaalooyinka dukumeentiyada loogu baahan yahay VA, CHAMPVA, ama TRICARE halkan.
Sida loo gudbiyo dukumeentiyada loo baahan yahay
Waxaa jira 2 siyaabood oo lagu soo gudbiyo dukumeentiga habboon ee loo baahan yahay si loo codsato dheefaha Kaalmada Kharashka Daryeelka Caafimaadka ee La Xidhiidha Militariga.
Waxaad si amni ah u geli kartaa akoonkaaga MyCarewell503
Waxaad soo gudbin kartaa dukumeentiyada looga baahan yahay dheefaha Kaalmada Kharashka Daryeelka Caafimaadka ee adigoo gelaaya kaaga ah akoonka MyCarewell503 oona raacaya tallabooyinkan:
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- Gudaha dhaashboodhka, aad qeybta Health Insurance Information (Macluumaadka Caymiska Caafimaadka)
- Guji “Health Insurance Information (Macluumaadka Caymiska Caafimaadka)” oona
- Guji “Add or Update Health Insurance Information (Ku dar ama Cusbooneysii Macluumaadka Caymiska Caafimaadka)”
- Ka dooro VA, CHAMPVA ama TRICARE liiska hoos-u-dhaca ee “Health Insurance Type (Nooca Caymiska Caafimaadka)”
- U geli “Effective Date (Taariikhda Dhaqan-galka)” sida 1/1/2026 haddii aad is-diiwaangelisay ka hor 2026 (ha gelin taariikhda Dhammaadka)
- Guji badhanka “CHOOSE FILE(s) (DOORO FAYLKA(ASHA))” si aad u soo geliso dukumeentiyada taageeraya (kaarka aqoonsiga ee VA, CHAMPVA ama TRICARE), kadibna guji “SAVE (KEYDI)”
- Waxaa kuu soo muuqanaya sanduuq ku saabsan “Healthcare Cost Assistance Care Provider Agreement (Heshiiska Daryeel-bixiyaha ee Kaalmada Kharashka Daryeelka Caafimaadka)”
- Dib u eeg heshiishka oona guji “I AGREE (WAAN WAAFAQAY).” Wax soo baxa wuu baabi’i doonaa.
Waxaad soo gudbin kartaa Foomka Codsashada Dheefaha Kaalmada Kharashka Daryeelka Caafimaadka
Waxaad buuxin kartaa Foomka Codsashada Dheefaha Kaalmada Kharashka Daryeelka Caafimaadka ee Qofka La Xidhiidha Militariga oona soo geli dukumeentiga loo baahan yahay.
Xaqiijinta Dheefaha Kaalmada Kharashka Daryeelka Caafimaadka
Waxaad ogaaneysaa in laguu ansixiyay Kaalmada Kharashka Daryeelka Caafimaadka ee caymiskaaga VA, CHAMPVA, ama TRICARE marka aad boostada ku hesho Kaarka Dukaameysiga ee Dheefta (BCC). Waxaad kaarka u isticmaali kartaa inaad ku bixiso kharashaadka caafimaadka ee la daboolay ee aad kasii bixisay jeebkaada.
Lacag-celinta Lacagaha Jeebka Laga Bixiyo
Sida dib laguugu soo celin kari kharashaadka kaaga baxay caafimaadka la daboolo halkii aad ka bixin lahayd Kaarka Dukaameysiga ee Dheefta.
Magdhawga Kharashyada Caafimaadka ee Jeebka Laga sii Bixiyo ee VA, CHAMPVA, ama TRICARE
Haddii ay kuu sugan yihiin wax ah kharashyada jeebka laga bixiyo ee caafimaadka kaaga baxay sannadka 2026 adoo isticmaalay lacagahaaga halkii aad uga bixin lahayd Kaarka Dukaameysiga ee Dheefta, waxaad u baahan tahay inaad u soo gudbiso Foomka Sheegashada Lacag-celinta ee Ameriflex si aad u codsato magdhaw.
Ku dar risiidhada muujinaya kharashyadaada caafimaadka ee aad jaabka ka bixisay ee adeegyada ay dabarto VA, CHAMPVA, ama TRICARE iyo Dukumiintigaaga Sharaxaadaha Dheefaha (EOB) ilaa 1/1/2026.
Loogu talagalay magdhawyada kharashyada caafimaadka ee jeebka laga sii bixiyo ee VA, CHAMPVA, ama TRICARE:
Faahfaahinta Dheefaha
Isticmaal Dheeftan
Adigoo Isticmaalaya kaarkaaga
Isticmaal Kaarkaaga Dukaameysiga ee Dheefta (BCC) si aad u bixiso kharashaadka aad jeebkaaga kasii bixiso ee uu daboolo qorshahaaga caafimaad ee VA, CHAMPVA, ama TRICARE. Waxaa laga yaabaa in lagu weydiiyo inaad muujiso caddaynta kharashyadaada, markaa hayso Sharaxaada Faa’iidooyinka iyo dhammaan rasiidhada.
Uma isticmaali kartid Kaarka Dukaameysiga ee Dheefta:
- Khidmadaha caymiska ee Medicare ama TRICARE
- Khidmadaha caymiska ee daryeelka ilkaha, aragga, iyo adeegyada maqalka;
- Kharashyada jeebka laga bixiyo ee adeegyada ilkaha, araga, iyo/ama maqalka;
- Kharashaadka caafimaadka iyo midka khidmadaha caymiska caafimaadka ee qoyskaaga;
- Lacag kala bixitaanka ATM-yada ama in lagu soo celiyo lacag yar markaad wax iibsaneyso;
- Kharashyada alaabta ama adeegyada aanu qorshaha caymiskaaga caafimaadku daboolin;
- Kharashyada aad gashay inta aanad u qalmin dheefaha Kaalmada Kharashka Daryeelka Caafimaadka
Waxaa laga yaabaa inaad mas’uul ka noqoto dhaqaale ahaan dib u bixinta lacagaha Carewell SEIU 503 haddii kaarkaaga loo isticmaalo kharashyada aan la daboolin kharashyada caafimaadka.
Xafido Dheeftaada
Si loo hubiyo inaad sii wadato helista faa’iidooyinka Caawimada Kharashka Daryeelka, fadlan xasuusnoow:
- U soo gudbi saacadahaaga shaqada bixiyahaaga mushaharka si joogto ah muddo kastoo mushahar bixineed;
- Inaad iska ilaaliso inaad soo diiwaangeliso wax ka yar 40 saacadood oo ah saacadaha shaqada ee aad xaqa u leedahay — oo sidoo kale loo yaqaano saacadaha kooxda gorgortanka — 2 bilood oo isku xigta. Inaad 2 bilood soo gudbiso saacado shaqo oo ka yar 40 waxay keeni kartaa inaad lumiso u-qalmitaankaaga faa’iidooyinka Carewell SEIU 503, oo ay ku jirto Kaalmada Kharashka Daryeelka Caafimaadka.
- Kaga yagleel macluumaadkaaga shakhsi ahaaneed kuwii ugu danbeeyay Carewell SEIU 503 iyo bixiyahaaga mushahaarka (gobolka, degmada, ama dallaalayda);
- Eeg oo ka jawaab fariimaha ka imanaya Carewell SEIU 503 ama Ameriflex.
- Ku hay macluumaadka caymiskaaga caafimaad midkii ugu danbeeyay adigoo ka cusboonaysiinaya Carewell SEIU 503.
Luminta Xaq Yeelashada
Waxaad lumin kartaa xaq yeelashada dheefaha Kaalmada Kharashka Daryeelka Caafimaadka ee Carewell SEIU 503 haddii aad yeelato 2 bilood oo isku xigta oo aad wax ka yar 40 saacadood shaqaysay. Ka dib 2-daas bilood, waxaa kuu sugan muddo sugitaanka oo 1 bil ah oo dheeraad ah inta aysan dhamaanin dheefahaaga, iyo kahor inta aan hawada laga bixinin Kaarka Dukaameysiga ee Dheefta (BCC). Marka aad lumiso u-qalmitaanka dheefahaaga daryeelka ilkaha, aragga, maqalka, iyo barnaamijka caawinta shaqaalaha, waxaad dooran kartaa inaad sii wadato dheefahan adigoo dooranaya COBRA. Waxaad dib u heli kartaa u-qalmitaanka dheefaha Carewell SEIU 503 adiga oo buuxinaya shuruudaha kor ku xusan.
Ha tuurin kaarkaaga BCC! Haddii aad xaq u yeelato Kaalmada Kharashka Daryeelka Caafimaadka mar labaad, waxaad awoodi doontaa inaad isticmaasho kaarkaaga.
Waxa Ay Tahay in La Sameeyo Markaad Dib U Kasbanayso Xaq U Yeelashada Hay'adda ee Dheefaha Kadib Markaad Lumiso
Markaad dib u hesho xaq u yeelashada dheefaha, waxaad u isticmaali kartaa Kaarka Dukaameysiga ee Dheefta (BBC) inaad ku maareyso kharashyada aad jaabkaaga ka bixisay.
Haddii aad kaydsatay kaarkaaga BCC, waxaad wali awood u lahaan doontaa inaad isticmaasho, marka laga reebo in la dhaafay taariikhda dhicitaanka ee korka kaga qoran.
Haddii aadan haysan BCC ansax ah, ka gal khadka interneetka dhashboodhkaaga MyCarewell503 si aad u isticmaasho Linkiga Degdega ah ee Ameriflex, ama ka wac Ameriflex lambarka 1-888-868-3539.
Wixii su’aalo ah ee ku saabsan u qalmitaankaada, nagala soo xiriir lambarka 1-844-503-7348.
Macluumaadka Meesha Lagala Xidhiidho
Ameriflex
1-888-868-3539
Markaad soo wacayso, fadlan isu sheeg inaad tahay shaqaalaha daryeelka guriga iyo taageerada shaqsiyeed ee helaya dheefaha Carewell SEIU 503, oo hayso Kaarkaaga Dukaameysiga ee Dheefta.
Bogga onlaynka ah ee Ameriflex
Halkan riix si aad waxbadan uga ogaato ablikeeshinka mobeelka ee Ameriflex
Sababaha loola xiriiri karo Ameriflex:
- Si aad u hubiso hadhaaga kaadhkaaga Faa’iidada, dib u eeg taariikhda lacag bixinta, dalbo kaadhka beddelka, iwm.
- Haddii Kaarkaaga Dukaameysiga ee Dheefta la diiday oo aanad awoodin inaad lacag bixiso.
- Sheegashooyinka magdhawga kharashyada caafimaadka ee loo gudbiyay Ameriflex.
Xafiiska Amniga Bulshada
La xidhiidh Xafiiska Sooshiyaal Sekiyuuritiga si aad iskuugu diiwaangeliso Medicare Qaybta A iyo B. La xidhiidh Xafiiska Sooshiyaal Sekiyuuritiga isla marka ay bilaabato wakhtiga isdiiwaangelintaada hore, saddex bilood ka hor dhalashadaada 65-aad.
Ku codso onleen ahaan: www.ssa.gov/benefits/medicare
Ku codso wicitaanka taleefonka: 1-800-772-1213 laga bilaabo 7 am ilaa 7 pm, Isniin – Jimco. Haddii aad tahay dhagool ama maqal kugu adag, waxaad wici kartaa TTY 1-800-325-0778.
SHIBA (Barnaamijka Caawinta Caymiska Caafimaadka ee Waayeelka)
1-800-722-4134 (wicitaanka bilaashka ah)
Waybsaydhka SHIBA ee bogga Oregon.gov
Kala xiriir SHIBA wixii talo ah ee ku saabsan:
- Sida la iskuugu diiwaangeliyo Medicare
- Sida loo buuxiyo waqtiyada kama dambaysta ah loogana fogaado ganaaxyada
- Xuquuqda iyo ilaalinta
- Daboolista iyo ka saarida
- Xeerarka lagu helo manfacyada
- Kharashyada la xidhiidha Medicare
Ogoow: La-taliyayaasha SHIBA waxay u badan tahay inaysan ka warqabin dheefaha Carewell SEIU 503 umana qalmaan inay ka jawaabaan su’aalaha ku saabsan iyaga.
Su’aalaha Inta Badan Laisweeydiiyo
Akhri su’aalaha caadiga ah ee ku saabsan Kaalmada Kharashka Daryeelka Caafimaadka ee caymiska VA, CHAMPVA, ama TRICARE Arag Su’aalaha Badanaa La Iska Weydiiyo wixii macluumaad dheeraad ah.
Sideen u codsadaa dheefaha HCA ee Qofka La Xidhiidha Milateriga?
Soo gudbi Foomka Codsiga Dheefaha HCA ee Qofka La Xidhiidha Milatariga adigoo kusoo lifaaqaya dukumeenti caddeynaya inaad ka diiwaangashan tahay VA, CHAMPVA, ama TRICARE. Ama waxaad cusboonaysiin kartaa macluumaadka caymiskaaga caafimaad ee MyCarewell503, kadibna aad soo gelin kartaa caddeynta caymiskaaga. Marka codsigaaga la habeeyo oo la ansixiyo, macluumaadkaaga waxaa loo gudbiyaa Ameriflex, waxaana Kaarka Dukaameysiga ee Dheefta (BCC) laguugu soo diraa cinwaanka boostada ee ku diiwaangashan.
Maxaa dhacaya haddii aanan heysan caddeynta caymiskeyga?
Waxaan ka diiwaangashanay VA mana haysto kaarkayga aqoonsiga
Uma baahnid inaad sugto inuu iyadoo la soo marinaayo boostada kusoo gaaro. Waxaad ka samaysan kartaa fayl PDF ah oo ah Soo Koobida Warqadda Dheefahaa ee VA adigoo galaya bogga VA ee www.va.gov ama abka moobilka ee Dheefaha iyo Caafimaadka VA.
Waxaan ahay lammaanka ama ilmo halyeey hawlgabay, waxaanan ka diiwaangashanahay CHAMPVA. Halkee ayaan ka heli karaa caddeynta caymiska?
Waxaad u baahan tahay warqad inta badan loo yaqaan warqadda “Credential of Coverage (Caddeynta Caymiska)” ama “Enrollment Verification Letter (Warqadda Xaqiijinta Diiwaangelinta)”. Si aad u hesho warqaddan, ka wac CHAMPVA lambarka 1-800-733-8387. In kasta oo halyeeyadii hawlgabay ay ka soo dejisan karaan warqaddooda dheefaha bogga VA, dadka ku tiirsan badanaa maka soo dejisan karaan warqad xaqiijin CHAMPVA gaar ah onlaynka.
Waxaan ahay askari adeegaya oo ka diiwaangashan TRICARE ama lammaanka/ilmaha mid ka mid ah, mana haysto caddeynta caymiskeyga.
Waxaad u baahan tahay warqad loo yaqaan warqadda “Proof of Coverage (Caddeynta Caymiska)” ama warqadda “Eligibility Letter (Xaqiijinta U-qalmitaanka)”, waxaana aad ka heli kartaa adigoo adeegsanaya bogga milConnect.
Kawaran kharashaadka sida toos ah jeebka looga bixiyay ee la daboolo ee dhacay ka hor intii aan dheefta la shaacin?
Marka akoonkaaga Kaalmada Kharashka Daryeelka Caafimaadka la dejiyo, waxaad u gudbin kartaa Ameriflex kharashaad kasta oo caafimaad oo la daboolo oo aad si toos ah uga bixisay jeebkaaga. Waxaad geli kartaa bogga Ameriflex ee magdhowga adigoo adeegsanaya akoonkaaga gaarka ah ee MyCarewell503, adigoo gujinaya linkiga degdegga ah ee Ameriflex ee ku yaal dhashboodhkaaga. Wixii su’aalo ah, waxaad ka waci kartaa Ameriflex lambarka 1-888-868-3539.
Halkan riix si aad waxbadan uga ogaato ablikeeshinka mobeelka ee Ameriflex
Maxaa dhacaya markaan gaaro da'da 65?
Waxaan ka diiwaangashanahay CHAMPVA ama TRICARE
Adigoo ah qof helaya caymis la xiriira adeeggan, waxaa lagaa rabaa inaad iska diiwaangeliso Medicare Qaybta A iyo Qaybta B. Caymiskaaga la xiriira adeegga wuxuu noqonayaa caymis labaad. Marka aad iska diiwaangeliso Medicare, waxaad u gudbin kartaa codsiga dheefaha Kaalmada Kharashka Caafimaadka (HCA) ee Medicare. HCA-ga Medicare wuxuu leeyahay isla akoonka kharashaadka jeebka laga sii bixiyo kahor magdhawga sida VA HCA, laakiin waxaad sidoo kale u qalantaa magdhow khidmadaha caymiska ee billaha ah ee Medicare Qaybta B iyo Qaybta D, iyo sidoo kale qorshayaasha Supplement ama Advantage.
Waxaan ka diiwaangashanay VA
Haddii aad isticmaalayso adeegyada Daryeelka Caafimaadka VA, lagamaaga baahna inaad iska diiwaangeliso Medicare si aad u sii haysato dheefahaaga VA, balse waa lagula talinayaa. Iska-diiwaangelinta Medicare waxay kuu oggolaanaysaa inaad la kulanto dhakhaatiir rayid ah oo ku sugan bulshadaada, waxayna kuu oggolaanaysaa inaad u soo gudbiso codsiga dheefaha Kaalmada Kharashka Daryeelka Caafimaadka (HCA) ee Medicare. HCA-ga Medicare wuxuu leeyahay isla akoonka kharashaadka jeebka laga sii bixiyo sida VA HCA, laakiin waxaad sidoo kale u qalantaa magdhow lacag celin ah oo ku saabsan lacagaha caymiska ee Medicare Qaybta B iyo Qaybta D, iyo sidoo kale qorshayaasha Supplement ama Advantage.
Ogsoonow haddii aadan iska diiwaangelin Medicare Qaybta B marka aad gaarto da’da 65 oo aad go’aansato inaad iska diiwaangeliso goor dambe, waxaad la kulmi doontaa ganaax joogto ah oo dib u dhac ah. Tani waxay la macno tahay in lacagta caymiskaaga billaha ah ay u kordhayso 10% sanad kasta oo aad dib u sugto.
Marka aan ka soo wareego HCA oo u wareego Medicare, maku heli doonaa BCC cusub $8,000?
Maya. Marka aad u soo wareegto Medicare, waxaad sii haysanaysaa hadhaaga BCC ee hadda jirta. Akoonkaaga kharashaadka jeebka laga sii bixiyo ee la daboolo dib looma dejinayo ama dib looguma shubaayo lacag cusub sanad kasta.
Baaqi kasta oo ku haray akoonkaaga kharashaadka jeebkaaga aad kasii bixiso ee la daboolo ee Kaalmada Kharashka Daryeelka Caafimaadka (HCA) marka aad u wareegto Medicare, waa lacagta aad ku bilaabayso sida hoos imaata HCA-da Medicare.
Ma heli kartaa labadaba HCA-da Medicare iyo HCA-da Dheefaha Qofka La Xirdhiidha Milatariga?
Maya, waxaad heli kartaa oo keliya hal Dheef oo Kaalmada Kharashka Daryeelka Caafimaadka ah hal mar. Markaad heysato HCA-da Medicare, waxaad helaysaa magdhow lacag celin ah oo ku aadab khidmadaha caymiska billaha ah, marka lagu daro kharashaadka caafimaad ee la daboolo ee aad jeebkaaga horey uga sii bixisay.
Immisa lacag ah ayaa ku jirta Kaarkayga Dukaameysiga ee Dheefta?
Kaarka Dukaameysiga ee Dheefta (BCC) waxa hore loogu sii shubay lacagta sannadlaha ah ee lagu bixinayo khidmadaha adegga ceymiska ee caafimaadka iyo daawooyinka dhakhtarku qoro, lacagaha la jaro, iyo kharashyada lacagaha haraaga lacag jarista kadib ee adeegyada caymiska leh iyo dawooyinka dhakhtarku qoray. Sanadka 2026, lacagtaasi waa $8,000, laakiin tani way isbedeli kartaa sanadba sanadka ka dambeeya.
Haddii aad u wareegto Medicare adigoo ka diiwaangashan HCA-da Dheefaha Qofka La Xidhiidha Militariga, akoonkaaga BCC ee kharashaadka aad jeebka ka sii bixiso dib looguma shubaayo lacagta sannadlaha ah. Hadhaag kasta oo aad hadda aad ka haysato kaaga ah HCA-da VA, CHAMPVA, ama TRICARE ayaa noqonaya lacagta aad ku bilaabayso HCA-da Medicare.
Haddii aad qabtid wax su’aalo ah oo ku saabsan BCC-gaaga, ka wac Ameriflex lambarka 1-888-868-3539.
Miyuu hadhaagayga ku haray BCC u wareegayaa qaddarka lacagta sanadka soo socda?
Maya. Qadarka ugu badan ee laguu soo celin karo kharashyada caafimaadka ee la daboolay ee galay sanad kasta waa qadar go’an ee sanadkaas. Qayb kasta oo aan la isticmaalin sanadkan looma wareejin karo in lagu bixiyo kharashaadka caafimaadka ee la galaayo sanadka soo socda.
Qorshayaasha TRICARE waxay leeyihiin lacag-bixinta khidmadaha caymiska ee billaha ah. Ma u isticmaali karaa BCC si aan ugu bixiyo lacag-bixintaas?
Maya, ma isticmaali kartid BCC-daada si aad ugu bixiso khidmadaha caymiska ee billaha ah. Guddiga Hay’addaha ayaa u ansixiyay dheefta loogu talagalay bixiyeyaasha daryeelka ee ka diiwaangashan VA, CHAMPVA, iyo TRICARE si ay ugu qalmaan kharashaadka caafimaad ee la daboolo ee ay jeebka kasii hor bixinayaan kahor magdhawga ilaa $8,000 laga bilaabo Janaayo 1, 2026. Dheefta Kaalmada Kharashka Daryeelka Caafimaadka ee bixiyeyaasha daryeelka ee ka diiwaangashan VA, CHAMPVA, ama TRICARE kuma jiraan dib u celinta lacagta khidmada ceymiska ee sida billaha ah loo bixiyo.
Ma u isticmaali karaa BCC si aan ugu bixiyo kharashaadka caafimaad ee jeebka laga sii bixiyay ee ay qoyskeyga?
Maya, ma u isticmaali kartid BCC qof kale oo kasta. Waxaa loo isticmaali karaa oo keliya kharashaadkaaga caafimaad ee la daboolo ee aad jeebkaaga horey uga sii bixiso kahor magdhawga.